A loan in the amount of L is given to Gwen. Gwen makes 180 end of month payments. The first 90 payments are 4000 and the second 90 payments are 3000. The nominal interest rate is 6% convertible monthly. A finance charge of 100j% of the amount borrowed is paid the day the loan originates, but this charge does not affect the repayment terms. If the yield for the lender is 7.2% convertible monthly, what is the actual dollar amount disbursed to Gwen the day the loan period begins?